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Xoom

Xoom

PayPal International Remittances

VS

Stripe

SaaS & Developers

Stripe
Fees from
From $0 for some transfers vs 1.5%–3.15% + 1.8 SEK
Features

1 shared

5 unique to Stripe
Regions

4 shared

3 unique to Stripe
Pay methods

4 shared

16 unique to Stripe
On payment methods

Stripe supports 20 payment methods, 16 more than Xoom. Verify directly with each provider before signing.

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Show full specs
6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Xoom Xoom
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
From $0 for some transfers
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
Near-instant
2–4 business days
Founded
2001
2010
Headquarters
San Jose, California, USA
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 4)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal
✓
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Stripe leads (7 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Xoom is best when you...

PayPal International Remittances
View Xoom

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Xoom
Need Enterprise
Not available with Xoom
Want coverage in Africa, Middle East, Oceania
Xoom doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Xoom and Stripe?
They share 4 payment methods and 4 regions. Stripe adds ACH, Affirm, Afterpay and 13 more that Xoom does not list; Stripe also covers Africa, Middle East and 1 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Xoom or Stripe?
Xoom has published rates from From $0 for some transfers; Stripe has published rates from 1.5%–3.15% + 1.8 SEK. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Xoom and Stripe?
Xoom lists 4 regions and 4 payment methods; Stripe lists 7 and 20. both cover Asia, Europe, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Xoom and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Xoom settles in Near-instant, Stripe in 2–4 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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